1860 Overcup Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1860 Overcup Ave, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2020
Square Footage	1,473 sqft Heated Area
Lot Size	3,920 sqft (0.089 acres)
Occupancy	Owner Occupied
Last Sale	$235,020 (2020)
Tax Bill	$3,765.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`062631063700010180`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,473 sqft Heated Area
Gross Area	1,950 sqft Gross Area
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2020
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	3,920 sqft (0.089 acres)
Garage Type	Finished Garage
Porch	Open Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	1860 OVERCUP AVE
City	SAINT CLOUD
State	FL
Zip	34771-4880
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	OAKTREE POINTE VILLAS PB 26 PGS 73-74 LOT 18
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	OAKTREE POINTE VILLAS
Legal Tract	637
Legal Lot Number	18
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2008
Census Tract	43600

Owner

Source: Osceola County records · APN 062631063700010180

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	1860 OVERCUP AVE, SAINT CLOUD, FL 34771-4880
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 17, 2020 · Amount on Record
Deed Sale	Jul 17, 2020 · Amount on Record
Deed Doc Number	2020093374
Deed Book / Page	5756 / 1306
Record Refreshed	Jun 08, 2026

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 17, 2020
Property Address	1860 OVERCUP AVE, SAINT CLOUD, FL 34771-4880
Document Number	0057561306
Book / Page	005756 / 001306
Instrument Date	Jul 15, 2020
Instrument	93374
Transaction Type	Transfer
Record Updated	Sep 01, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Amount Accuracy	Confirmed
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1860 OVERCUP AVE ST CLOUD FL 347714880, ST CLOUD, FL 34771-4880

Mortgage

Document Number	57561308
Date	Jul 17, 2020
Book Page	005756/001308
Instrument	93375

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 16, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,765.00 (+6.24%) Homeowner's exemption	$253,265 (+5.99%)	$302,500 (+8.38%) Land $65,000 Building $237,500
2023	$3,544.00 (+3.6%) Homeowner's exemption	$238,960 (+3%)	$279,100 (+20.3%) Land $65,000 Building $214,100
2022	$3,421.00 Homeowner's exemption	$232,000 Land $50,000 Building $182,000	$232,000 Land $50,000 Building $182,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 62% of the US · above 36% of Florida
Wildfire Likelihood	About 1 in 469 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.